The Barefoot Innovation podcast, hosted by the Alliance for Innovative Regulation (AIR) CEO Jo Ann Barefoot, explores better solutions for financial consumers at the intersection of technology innovation and regulation.
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Congressional Action on Regulatory Technology: Congresswoman Erin Houchin
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It’s easy to underestimate the importance of system-building in public policy, but Rep. Erin Houchin's bipartisan FUTURES Act would require financial regulators to self-assess their own tech readiness to oversee the tech transformation underway.By Jo Ann Barefoot
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Modernizing Government Tech: Advancing Beyond Suptech with Sonny Hashmi
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The drive for modern financial regulation has transitioned rapidly to move beyond suptech. Sonny Hashmi, Head of Public Sector at Unqork, shares advice on how government leaders can transform their core technology infrastructure.By Jo Ann Barefoot
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AI in Financial Services: AIR Senior Advisor Christopher Calabia
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Generative AI is revolutionizing the financial world across sectors. Christopher Calabia, Head of MIT’s Central Bank Digital Currency Program, weighs the pros and cons of this new technology while emphasizing regulatory and ethical frameworks.By Jo Ann Barefoot
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Transformation by TechSprint: Closing the Credit Gap in South Africa
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Nthupang Magolego from the National Credit Regulator (NCR) of South Africa and Collen Masunda of the International Finance Corporation (IFC) join Jo Ann to discuss using a TechSprint model to tackle really hard problems in financial inclusion.By Jo Ann Barefoot
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Taming the Machine: AI Ethicist Nell Watson
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AI Ethicist Nell Watson and author of Taming the Machine describes the foundations we need to put in place to build legal, regulatory and ethical systems to channel fiercely powerful new AI technology away from the bad, and toward the good.By Jo Ann Barefoot
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Community Banks: Darragh Buckley on a Tech-Enabled Future
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Community banks face a tech revolution. Explore the challenges & opportunities with Increase CEO Darragh Buckley, who has a unique perspective and novel ideas. Hear his thoughts on how smaller banks can survive & thrive in a changing landscape.By Jo Ann Barefoot
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Cutting Edge Consumer Finance: Upgrade CEO Renaud Laplanche
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Upgrade's visionary CEO, Renaud Laplanche, unpacks his pioneering thinking on consumer finance. He unveils 3 key financial consumer needs and explores the evolving landscape of fintechs — progress, challenges and what's next.By Jo Ann Barefoot
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Women’s History Month: Jo Ann Joins Shelley Anderson to look back and forward
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To mark Women’s History Month, AIR’s Shelley Anderson interviews Barefoot Innovation host Jo Ann on her perspective about the progress, and lack thereof, on efforts to drive toward gender equality.By Jo Ann Barefoot
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Fintech 2.0: Itai Damti and Alex Acree of Unit
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Itai Damti and Alex Acree delve into Unit's design as a "technology operating system" for bank-fintech partnerships, the legal framework they establish between partners, and their view that compliance must be built into these systems from the start.By Jo Ann Barefoot
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Innovation in Africa: Bank of Ghana’s Kwame Oppong
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Kwame is the charismatic head of innovation at the Bank of Ghana. He shares advice for regulators on how to adapt to tech transformation and emphasizes collaboration to break down silos and foster innovationBy Jo Ann Barefoot
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How to Include Everyone: The Gates Foundation’s Michael Wiegand
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Michael talks about the global evolution of financial inclusion and the Bill & Melinda Gates Foundation’s ongoing efforts. Learn about digital financial inclusion, consumer protection, digital public infrastructure, and barriers to fair finance.By Jo Ann Barefoot
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Presidential Assistant Elizabeth Kelly: White House Policy on AI
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Kelly serves on the White House National Economic Council and helped lead the executive order issued in 2023 on AI. She discusses what the order requires, the challenges it aims to address and the upside opportunity of the technology.By Jo Ann Barefoot
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Year-End Roundup from Digital Dollar Foundation Head Chris Giancarlo
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Former CFTC Chairman Christopher Giancarlo updates on the evolution of Central Bank Digital Currencies around the world and predicts where we’re headed.By Jo Ann Barefoot
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How Minority-Backed Institutions Can Stay Competitive in Digital Age
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In this special episode recorded live at the Annual Conference of the National Bankers Association in Washington, D.C., Jo Ann speaks with three innovators working to help Minority Depository Institutions modernize their technology to continue serving communities of color.By Jo Ann Barefoot
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AI, AI and AI: Game-Changing Technologies Will Dominate Fall Gatherings
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Generative artificial intelligence is sure to be a hot topic for regulators and financial innovators on the upcoming conference circuit. Here is how attendees can get the most out of events likely to be a harvest of new ideas.By Jo Ann Barefoot
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Fully Fair Lending: NFHA CEO Lisa Rice
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Discrimination in the credit markets is a persistent problem. Lisa Rice, head of the National Fair Housing Alliance, says we can solve it if we understand the role of structured, hidden bias, and use new technology to root it out.By Jo Ann Barefoot
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Jason Cave on FHFA’s Goal to Modernize Mortgage Process With New Tech
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Following the Federal Housing Finance Agency’s Velocity TechSprint, the official leading the agency’s conservatorship and fintech strategies joins Jo Ann to discuss all the ways the mortgage market is ripe for a technology overhaul.By Jo Ann Barefoot
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How the FCA is Attacking Both Prongs of Regulatory Innovation
1:12:05
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Most agencies focus largely on how technology affects the industries they oversee, but the U.K.’s Financial Conduct Authority’s innovation approach is also inward-focused. Jessica Rusu and Nathalie Lowe, two leaders driving the FCA’s strategy, discuss the regulator’s achievements.By Jo Ann Barefoot
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NCRC’s Van Tol on How Technology Can Change Consumer Finance
1:26:41
1:26:41
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Jesse Van Tol, CEO of the National Community Reinvestment Coalition, joins Jo Ann for a discussion on the upsides and downsides of technologies designed to expand access to homeownership and small business capital.By Jo Ann Barefoot
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Making Payments FASTT: The World Bank’s Holti Banka
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Banka helps lead the World Bank’s initiative to make payments interoperable and fast. In this episode, he discusses the launch of Project FASTT, the principles that make fast payments work and how to meet key financial inclusion goals.By Jo Ann Barefoot
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How Delicia Reynolds Hand Works to Empower Fintech Consumers
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Hand, the Director of Financial Fairness Advocacy at Consumer Reports, leads the magazine’s initiative to evaluate new fintech products to give customers greater awareness of the rapidly changing financial services market. The ratings system could be a game-changer for pricing and product development.…
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Barefoot Innovation Podcast Hits 200-Episode Milestone
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It has been quite a ride since our first episode in 2015. Over more than eight years, this show helped mark AIR’s founding, unpacked what the pandemic and other events meant for financial regulation, and hosted so many enlightening discussions about disruptive technology.By Jo Ann Barefoot
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Brave New World: A Conversation with ChatGPT
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In this episode, Jo Ann interviews the most famous generative AI. The chat is “unsmart” but it gave responses to complex questions that were accurate and displayed the ability to grasp subtle issues.By Jo Ann Barefoot
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Cecilia Skingsley on How BIS Innovation Hub Showcases ‘Art of the Possible’
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The head of the Bank for International Settlements’ innovation initiative offers insight on ways that central banks and other regulatory organizations can boldly explore technological change.By Jo Ann Barefoot
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Demystifying DeFi and Web3 with Tomicah Tillemann
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Tillemann, Chief Policy Officer of Haun Ventures, shares his views about the crypto winter and how the confluence of blockchain, open source and digital tokens could solve stubborn problems.By Jo Ann Barefoot
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BIS Executive Tara Rice on Need for Global Standards in New Payments Era
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The Bank for International Settlements, which ensures payment systems work, has prioritized technology. Tara Rice, who heads the BIS Secretariat of the Committee on Payments and Market Infrastructures, discusses CPMI’s stablecoin guidance and more.By Jo Ann Barefoot
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‘There Were Zero Plane Crashes Before We Had Planes’: Kyle Hauptman
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Kyle Hauptman, vice chairman of the National Credit Union Administration, comes on the show to discuss how his agency encourages credit unions to take steps to stay relevant in the digital era.By Jo Ann Barefoot
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Delicia Hand, Cleve Mesidor on Rethinking Consumer Protection Paradigm
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The question of how to expand access and ensure fairness for people of color deals with finding the right balance of regulation, technology and traditional finance. Two leaders on this issue speak with Jo Ann about finding the best answers.By Jo Ann Barefoot
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Machines that Read Regulations: FINRA's Goal Could Soon Be Reality
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In this episode, Jo Ann speaks with innovation leaders at the Financial Industry Regulatory Authority, Haimera Workie and Alex Khachaturian, about a new tool to help transform financial regulation and compliance.By Jo Ann Barefoot
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How Credit Unions Cut an Innovation Path: NCUA Chair Todd Harper
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Todd Harper is the first head of the National Credit Union Administration appointed after serving in the agency’s own ranks. His conversation with Jo Ann touches on the NCUA’s new innovation office, and the technology pressures and opportunities facing credit unions.By Jo Ann Barefoot
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Simon Taylor on How Crypto and DeFi Move Forward
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The first 2023 episode is Jo Ann’s discussion with Simon Taylor, Head of Strategy at the anti-fraud tech firm Sardine. He weighs in on crypto’s “massive fraud problem,” and the pros and cons of building trust through decentralization and code.By Jo Ann Barefoot
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FCA CEO Nikhil Rathi on How Regulators Can Be ‘Data-Driven’
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Rathi heads the U.K. Financial Conduct Authority, which has raced ahead of other agencies in recognizing the importance of digital transformation. He sits down with Jo Ann for a wide-ranging discussion on the FCA’s sandbox initiative, why the ‘G’ (for Governance) in ESG matters, and how the agency aspires to be a “data-driven regulator.”…
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The Bold Vision of Singapore Central Bank Chief Ravi Menon
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Ravi Menon, the managing director of the Monetary Authority of Singapore, has charted a bold course on regulatory innovation, inventing new models that are being emulated throughout the world.By Jo Ann Barefoot
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Talking Web3 with Jai Ramaswamy of A16z
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Ramaswamy, the Chief Legal Officer of Andreessen Horowitz, speaks to Jo Ann about the World Wide Web’s evolution and how version 3.0 aims to improve on earlier shortcomings through blockchain technology, tokenization and smart contracts.By Jo Ann Barefoot
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Innovator Spotlight: Zero Hash’s Ed Guerra on Making Compliance Cool
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Guerra leads compliance work at the five-year-old B2B platform enabling financial firms to offer crypto services. He says tech innovation challenges the assumption that compliance efforts are not aligned with business goals.By Jo Ann Barefoot
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The Future of Compliance: RegTech Association CEO Deborah Young
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Young speaks to Jo Ann about the alliance that she leads and how its innovative members are building the bridge from traditional compliance to digitized solutions.By Jo Ann Barefoot
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Innovator Spotlight: Upgrade CEO Renaud Laplanche
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Renaud Laplanche, the CEO and co-founder of Upgrade, explains how the company aims to create a healthier credit card by converting debt into an installment loan with zero fees.By Jo Ann Barefoot
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‘Bold and Boring’ Innovation: Fed Chief Innovation Officer Sunayna Tuteja
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59:28
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The first appointee to lead the Federal Reserve’s innovation office is focused on modernizing the technology of the central bank itself. Her goal is to bring the agency into the 21st century, and to keep it up-to-date as change accelerates.By Jo Ann Barefoot
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IIF’s Jessica Renier on Crypto Winter, CBDCs and Regulatory Overhauls
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Renier, a veteran of both the Treasury and the Fed and now managing director of digital finance at the Institute of International Finance, speaks with Jo Ann about the recent correction in the crypto markets and the need for regulators to hone new digital tools to get ahead of the curve.By Jo Ann Barefoot
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Jack Henry's CEO on How Community Banks Can Make Digital Leap
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David Foss runs one of three core processors that small financial institutions rely on for tech services. He and Jo Ann discuss community banks' tough times, how cores can help clients compete and the need for small banks to “plug in” to vendors.By Jo Ann Barefoot
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Innovator Spotlight: The MSRB’s Brian Anthony and Adam Cusson on Modernizing Regulation of Municipal Securities
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Today’s show is required listening for our regulator audience, and is also packed with practical advice for ANY organization, public or private, that has to transition from the analog to the digital age. The Municipal Securities Rulemaking Board, or MSRB, is a small US regulatory body that’s doing outsized work in technology innovation. Our guests …
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Former Federal Reserve Vice Chairman Randal Quarles
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My guest today is Randal Quarles, Chairman of the Cynosure Group and previously the Federal Reserve Board’s Vice Chair for Supervision, a role in which he also chaired the US Financial Stability Board. He left the Fed at the end of last year, which makes this the perfect time to chat with him – I think it’s always extra-interesting to talk with gov…
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Innovator Spotlight: Daylight CEO Rob Curtis on serving LGBTQ customers
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We had hoped to post this episode during Pride Month and didn’t quite make it, but, of course, the topic is timeless. My guest is Rob Curtis, CEO and Cofounder of Daylight, a fintech startup that focuses on serving LGBTQ customers. In our conversation, Rob shares the story of why and how Daylight came to be. He talks about the stigma and bias encou…
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Force of Nature: Ribbit Capital’s Sigal Mandelker on How to Modernize Government Technology
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Today’s show is different. My guest, Sigal Mandelker, is the former U.S. Undersecretary of the Treasury for Terrorism and Financial Intelligence, and she talks to us with exceptional reflexion and, frankly, frustration, about why and how we need our government to work better. That’s not a novel theme, of course – the world is noisy with critiques o…
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New in New York: Talking Innovation and Crypto with Kaitlin Asrow and Peter Marton of New York DFS
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Given New York’s unique role in global finance, the state always has top notch regulators and is normally at the forefront in addressing market change. It’s not surprising, then, that the state is focused today on the technology transformation underway in finance, including crypto. My two guests today are both leaders at the New York state Departme…
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Saving Minority Depository Institutions: Nicole Elam and Robert James
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My guests today are Nicole Elam, CEO of the National Bankers Association, and Robert James II, who chairs the NBA’s board of directors and is also president of Carver Financial Corporation in Savannah, Georgia. The NBA is the trade association for Minority Depository Institutions, or MDIs. It was founded nearly a century ago, in 1927, to build on t…
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Castles and Sandboxes: The Gates Foundation’s Konstantin Peric
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How do you solve the biggest, hardest problems in the world? Usually, we just don’t. They persist. Today, though, we live in an age that’s putting powerful new technologies into our hands, opening up ways to make seemingly impossible solutions suddenly, theoretically, possible – if we can put them to use. These are the challenges that get taken up …
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Rajesh Bansal CEO, Reserve Bank Innovation Hub
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My guest today is one of the world’s leading innovators in this effort. Rashesh Bansal is the CEO of the Reserve Bank of India’s Innovation Hub. In April, AIR worked with the RBIH and other partners on the Swanari TechSprint, named for the Hindi word meaning “self-reliant woman.” I’m excited to have Rajesh on the show today to share a perspective t…
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OCC’s Michael Hsu on crypto policy: ‘We want to get it right’
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My guest today is Michael Hsu, the Acting Comptroller of the Currency, and we are talking all things– and only things – crypto. Our conversation covers a lot of other ground: the lack of interoperability among today’s stablecoins; whether and how stablecoin issuers should have bank charters; problems with blockchain technologies; the evolution of C…
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Challenger Banker: Starling Bank CEO Anne Boden
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56:06
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There are a lot of very rare things about my guest today, Anne Boden. She is one of a very small group of people who have founded what the U.K. calls challenger banks – banks that were chartered after the financial crisis as part of regulators’ newly minted mandate to foster competition in the financial sector. She is one of the very small group of…
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